Some of the icons were themselves full-blown third-party apps.If he wanted to, he could access Airbnb, Uber, or Uber’s Chinese rival Didi, entirely from inside Alipay.He started making his car insurance payments with the app.

He realized that he could pay for parking through Alipay’s My Car feature, so he added his driver’s license and license plate numbers, as well as the engine number of his Audi.

He added friends in Alipay’s built-in social network.

When Liu went on vacation with his fiancée (now his wife) to Thailand, they paid at restaurants and bought trinkets with Alipay.

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At Mc Donald’s, the convenience store, even at mom-and-pop restaurants, his friends in Shanghai used mobile payments.